2020 Overview
General Credit Union Information
United Nations is an NCUA insured institution located in Long Island Cit, NY. It was founded in 1947 and has approximately $5854.38 millions in assets.
Who Can Join?
United Nations Federal Credit Union (UNFCU) has built a tradition of value, trust and confidence with its members who are specifically the staff of the United Nations, UN Specialized Agencies, their families and retirees around the world. As a single-sponsor credit union, we are dedicated to serving only the UN community with whom we have developed a keen understanding and a strong partnership. Accordingly, membership offers many distinct advantages.
If you are ...
An employee or retiree of the United Nations and affiliated agencies
An employee of the United Nations International School
An employee of the US Fund for UNICEF
An employee of the United Nations Child Care Center
An employee of the United Nations Foundation
Employees of the United Nations Association
Employees of USA for UNHCR
Family to a UNFCU member (includes spouses, parents, children, grandchildren, grandparents, brothers and sisters)
An individual who resides in and shares financial responsibility of a household with a UNFCU member
... then UNFCU membership is open to you.
| NCUA Insured | Yes |
| Charter Number # | # 5588 |
| Date Established | 1947 |
| Assets | $5,854.38 million |
| Loans | $3,398.83 million |
| Deposits | $5,223.55 million |
| Capital | $603.84 million |
Field of Membership Restrictions
Deposit Rates - April 8, 2020
Your Current Location: Connecticut, CT 06828
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.40% | $50 | - | Learn More |
|
Money Market
|
0.30% | $2,500 | $24,999 | Learn More |
|
Money Market
|
0.50% | $25,000 | $49,999 | Learn More |
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Mo CD
|
0.20% | $500 | - | Learn More |
| 6 Mo CD
|
0.50% | $500 | - | Learn More |
| 12 Mo CD
|
0.90% | $500 | - | Learn More |
| Compare with 1.75% APY 12 MONTH from Gateway First Bank | Advertiser Disclosure | ||||
| Compare with 1.75% APY 12 MONTH from Gateway First Bank | Advertiser Disclosure | ||||
| Compare with 1.85% APY 12 MONTH from Gateway First Bank | Advertiser Disclosure | ||||
| Compare with 1.85% APY 12 MONTH from Gateway First Bank | Advertiser Disclosure | ||||
| 18 Mo CD
|
1.05% | $500 | - | Learn More |
| 24 Mo CD
|
1.20% | $500 | $49,999 | Learn More |
| 30 Mo CD
|
1.25% | $500 | - | Learn More |
| 36 Mo CD
|
1.35% | $500 | $49,999 | Learn More |
| 60 Mo CD
|
1.45% | $500 | $49,999 | Learn More |
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.40% | $1 | - | Learn More |
| Fixed IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Fixed IRA
|
0.90% | $500 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $1 | - | Learn More |
Loan Rates - April 8, 2020
Your Current Location: Connecticut, CT 06828
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit | 5.63% | 5.63% | Varies | |
Compare with 3.5 RATE Line of Credit from People's United Bank, N.A.
See All Home Equity Rates |
||||
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 5.50% | 5.50% | $754.90 | |
| 4 Year | 5.50% | 5.50% | $581.41 | |
| 5 Year | 5.50% | 5.50% | $477.53 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 10 Year Adjustable Conforming | 3.83% | 3.38% | $1,105.93 | |
| 15 Year Fixed Jumbo | 3.02% | 3.00% | $1,726.45 | |
| 15 Year Fixed Conforming | 3.05% | 3.00% | $1,726.45 | |
| 20 Year Fixed Conforming | 3.66% | 3.63% | $1,466.66 | |
| 20 Year Fixed Jumbo | 3.64% | 3.63% | $1,466.66 | |
| 30 Year Fixed Conforming | 3.78% | 3.75% | $1,157.79 | |
| 30 Year Fixed Jumbo | 3.89% | 3.88% | $1,176.31 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 10 Year Adjustable Conforming | 3.83% | 3.38% | $1,105.93 | |
| 15 Year Fixed Jumbo | 3.02% | 3.00% | $1,726.45 | |
| 15 Year Fixed Conforming | 3.05% | 3.00% | $1,726.45 | |
| 20 Year Fixed Conforming | 3.66% | 3.63% | $1,466.66 | |
| 20 Year Fixed Jumbo | 3.64% | 3.63% | $1,466.66 | |
| 30 Year Fixed Conforming | 3.78% | 3.75% | $1,157.79 | |
Compare with 4.542% APR and 4.500% 30-Year Fixed RATE from Rocket Mortgage
See All Mortgage Rates |
||||
| 30 Year Fixed Jumbo | 3.89% | 3.88% | $1,176.31 | |
|
Compare with 4.542% APR and 4.500% 30-Year Fixed RATE from Rocket Mortgage
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are United Nations branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Fairfield,Connecticut
United Nations Locations
Financial Details
United Nations Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of United Nations. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| United Nations | U.S. Average |
|---|---|
| 1.82% | 5.92 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of September 30, 2019, United Nations had $10,086,304 in non-current loans and $1,404,595 in owned assets. To cover these potential losses it had $603,841,313 in net worth and $27,010,552 in loans loss reserves. That gives it a Texas Ratio of 1.82%.
Net Worth
| United Nations | U.S. Average |
|---|---|
| 10.31% | 13.86% |
United Nations FCU has a net worth of 10.31% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Frequently Asked Questions About United Nations
Branches and Savings
What is United Nations?
A federal credit union, registered with the NCUA under certificate #5588.
Learn more about credit unions here.
Is United Nations FDIC insured?
No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.
Who can join United Nations?
Please see Field of Membership information above for information on who is eligible to join.
How big is United Nations?
United Nations has total capital of $603.84 million. Full information on United Nations's financial position is located above.
Who owns United Nations?
Credit Unions are owned by their members.
Where are United Nations branches located?
See branch locations nearby.
Are United Nations ATMs Open 24/7?
Do United Nations ATMs accept cash deposits?
Can United Nations customers use other ATMs? What is the charge for withdrawing money from another ATM?
Does United Nations have a mobile app?
Does United Nations have mobile deposit?
Does United Nations have quick pay?
How can United Nations transfer money to other banks or credit unions?
Does United Nations report to credit bureaus?
Does United Nations use Chexsystems?
Does United Nations use Equifax?
What is United Nations's toll free phone number?
What is United Nations's ACH Routing Number?
What is United Nations's SWIFT code?
Where can I find United Nations's wire transfer form?
What is the United Nations address for deposits?
What Products Does United Nations Offer
Does United Nations offer home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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